My SDI has run and I am covered by my employer insurance The Standard I have filed a claim with them but they keep giving me the run around.
Absolutely. Disability insurance companies have no incentive to pay you. The longer they hold on to the money the more money they make. They use language to try to convince you that you are not disabled or focus on medical records that have no bearing on your disabling condition. The claims representatives are generally friendly, but do not be fooled into thinking they are actually trying to help you.See question
How do I fill in the questionnaire provided for LTD? I have had complications from biopsy to chemo. I have been out for almost 5 months. We are still searching for the right chemo. We have no idea how long I will be on a chemo regiment and whic...
In addition to what the other attorneys have said, be cognizant that LTD insurance companies are NOT on your side. Their goal is to deny your claim, no matter how much in premiums you have paid over the years.See question
When I go to Georgia small claims court my address will be a Georgia address but the address of defendant needs to be in Georgia also. The insurance company is in Kentucky. So what company address should I give to court?
The first very important question is: is your health insurance provided through your employer?
If so, then your plan is probably governed by a federal law and you cannot sue them in small claims court.See question
I am filling out short term disability forms for work and I noticed a section for self employment. I work as a realtor making only 500 to 1000 a month. Will my full time employee reduce my short term disability payment? The compmay policy is...
It depends on the policy. Usually if you have other income that falls into a specific category them your benefit is reduced. You would want to review the group policy or certificate if you can to review the terms.See question
Company filed the claim under 1 plan then realized a year later THEY made a mistake and filed under wrong plan which resulted in overage paid to me. Their mistake, I did nothing wrong, why DO I have to pay for their mistake?
Typically the policy has language in it that entitles them to recover any overpayments. Get a copy of the policy and see if it does. If it doesn't, you should speak with an attorney to see if it is worth fighting.See question
worked for fedex for 7plus yrs my direct managers acknowledged my work hrs. Aetna claims I'm classified as partime which is reason for denial
This would depend on the terms of the policy.
The terms of the policy govern your eligibility for benefits. You need to get a copy of it to see if the reason for the denial accords with the policy terms.See question
the only thing that has changed in 3 years is that I was able to get my drivers lincense, I only drive when the weather is fine and I can handle my brain buzzing due to my 3 brain stem aneurysms.
If this coverage was provided through your employer, you probably need an attorney who handles long term disability claims and who knows ERISA. Do not settle for an SSDI lawyer. These are very different funding sources and it is crucial that your attorney have experience in the proper area.
Make no mistake, you need an attorney for this process.See question
Attorney mistake was filing in federal court instead of state court for bad faith.
If your claim was governed by ERISA, the federal courts have exclusive jurisdiction. Any suit filed in state court would have been removed to federal court.
Additionally, there is no cause of action for "bad faith" in ERISA. Because ERISA preempts state law, you cannot bring a "bad faith" lawsuit against an ERISA-governed plan.See question
I was out on short term disability from 9/8/14-10/30/14. I had another incident related to another illness on 11/13/14 and then resigned 11/16. The insurance company is saying since I worked 10/31-11/13 I am ineligible for benefits since I worked...
You would need to see a copy of the policy to know how your brief return to work impacts your claim.
I strongly suggest requesting a copy of the policy and then finding a disability attorney who will give you a free consultation to help determine your rights and avenues of recourse.See question
I was receiving LTD benefits from Hartford. I was terminated by them once and won the appeal two years ago. Now they have terminated me a second time and I am going through a second appeal. I just want to know is it legal for Hartford to give m...
It probably is legal, but it might not be a bad idea to check with a privacy rights attorney licensed in your state.
This is a common practice of LTD insurance companies and one that I just went through with an appeal for one of my clients.
I strongly recommend you get an attorney involved with your appeal.See question